Principal & Interest
This repayment option offers principal and
interest repayments for the full term of
the loan.
Interest Only
Ideal for investors, this option allows you
to have up to 10 years interest only
repayments before principal and interest
repayments are required.

Loan purpose

Use a SmartDoc Home Loan for:
• purchase or refinance of an owner occupied or investment property
• debt consolidation
• home equity loan for investment or personal purposes
• Go-Between bridging finance
Application restrictions • no construction
• no land as security
• no company applicants
• no trust applicants
• no overseas applicants
• no non-permanent Australian resident applicants
• no second mortgages
• maximum of 3 securities
• no defaults
• category 1 and 2 locations (refer to brokers.adelaidebank.com.au for location listings)
• no inner city apartments
• no self employed less than 2 years
Interest rate • variable rate (SmartDoc) with 100% offset
• fixed rates for 3 or 5 years (SmartDoc) with 100% offset
Deposit interest is not paid if the net balance is positive (that is if the offset balance
exceeds the amount owned).
Application/settlement fee • standard application fee $595
• settlement fee $100
• funds disbursement fee $15
• additional fees are payable if you have more than one security property, require the
support of a guarantor or are taking a Go-Between bridging finance option.
*All LVRs are subject to LMI criteria.
Administration fee $10 per month
Minimum loan amount $10,000
Maximum loan amount $2 million, subject to LMI
Loan term • minimum 5 years
• maximum 30 years
Statements issued Monthly, on the last day of the month
Interest calculated Interest is calculated daily on the net closing balance of the loan (that is the amount owed
less the offset balance) and is charged monthly.
Loan to valuation ratio • up to 80% plus capitalised LMI
Repayment frequency • weekly, fortnightly or monthly repayments (principal and interest)
• monthly repayments (interest only)
• payments automatically debit from the offset balance
Voluntary repayments • variable rate – extra repayments may be made at any time without penalty
• funds can be transferred from the offset balance to the loan portion via Online Banking
or phone banking
• no maximum deposit to offset portion
• fixed rate – up to $20,000 p.a. above normal repayments may be made without penalty
Split loans Available. Split your loan into more than one portion.
Additional $100 loan application fee applies per split.
Redraw Available. Free online/phone banking redraws. Manual redraw requests – $50.
Minimum redraw amount $500.
Credit increases Available. $175 credit increase fee and $150 security handling fee applies.
Minimum credit increase amount $10,000.
Rate conversion • Convert from a SmartDoc variable rate to a SmartDoc fixed rate at any time. A loan
variation fee maybe payable.
• Convert to a SmartFit rate by providing proof of income. A loan variation fee
maybe payable.

Smart Doc Low Doc Home Loans – Adelaide Bank is a post from: Sydney Mortgage Brokers MortgageCorp

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Loan Conditions

• Max loan $1,000,000
• Max LVRs
  • 70% for residential (credit impaired)
  • 70% for retail shops and commercial offices
  • 65% for industrial properties
  • 50% for other income producing assets (suitable for >100 acre farms)

• Interest rates starting from 8.19% for both variable and fixed rates
• Locations:  All metro capital cities and major regional centres
• Term 1-2 years interest only
• Credit Impairment – Light to moderate credit impairment considered on merit
• Any worthwhile purpose
• Non regulated loans only.

Call Mike Nicholls on 0411 222 551 or (02) 8014 4288 or use our contact form.Re

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Loan Product Information

A low priced variable rate term loan with no account keeping fee

The business essentials loan is a low cost variable rate term loan at the core of your business finance.

The Business Essentials loan may help businesses wanting to:

• Expand
• Buy a property to operate from
• Purchase plant and machinery

for more information contact MortgageCorp on (02) 8014 4288 or use our contact form

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This loan can benefit you in a number of ways. By paying interest up front for a fixed term this loan offers you a lower rate than our standard ANZ Fixed Rate loan. It also offers flexibility with regard to repayments frequency and fixed rate terms. Plus there are no ongoing fees. Taxation benefits may also apply via negative gearing. We recommend you discuss this with your Accountant or Financial Advisor.
You can even make additional repayments up to a set tolerance* each year of the fixed rate period, without triggering an early repayment cost calculation.

Principal repayments are deferred on this loan until the fixed rate period has ended. Once the fixed interest-in-advance period has expired the rate automatically reverts to the ANZVariable Residential Investment loan rate.

Purpose
Fund purchase of residential investment property such as a house, holiday house, unit, apartment or town house to let.

Repayments
Interest-in-Advance repayment options allow you to pay annually, half-yearly, quarterly, or monthly in-advance. Repayment of the principal portion of the loan is deferred until the Interest-in-Advance term is complete. Once the Interest-in-Advance term is complete, repayments can be made weekly, fortnightly or monthly. These repayments can be automatically debited from your ANZ Access account or from an account held at another bank.

Lock Rate Option
With ANZ Interest-in-Advance Residential Investment Loan the interest rate that will apply is the rate for the term you select as at the day you settle your loan. However, if you would like to ‘lock in’ the interest rate current at the time you apply you can do this with ANZ Lock Rate. By paying a Lock Rate fee, the rate is ‘locked in’ for up to ninety days, protecting you from the potential risk of interest rates increasing before you drawdown your loan. Lock rate gives the extra security of knowing exactly what your repayments will be for a set period.

Lenders Mortgage Insurance
With Lender Mortgage Insurance we can lend you up to 90% of the purchase price. To find out more please enquire at any ANZ Branch or call 1800 333 123 for more details.

Negative gearing
For advice about how negative gearing could work for you, and to ensure that any requests by you to the Australian Taxation Office (ATO) are accurate, we recommend you consult your accountant or financial advisor.

ANZ Rapid Refinance. Why wait?
Has an ANZ loan caught your eye? ANZ Rapid Refinance# allows you to quickly switch your current loan to ANZ in only a matter of weeks. So, you will benefit from your refinance plans far quicker than usual. ANZ Interest-in-Advance Residential Investment Loan

Interest Rate
For the latest Interest Rates, visit the MortgageCorp Mortgage Calculator
Lock Rate
Yes, Lock Rate is available on the 1-5 Year Fixed Rate Residential Investment Loans maximum amount $1,000,000.
Lock Rate fee applies ($600 plus 0.15% of loan amount)

Term
Interest-in-Advance term – 1 to 5, 7, and 10 years
Overall loan term – 30 years

Minimum amount
$20,000
Interest-in-Advance repayment
Annually, half-yearly, quarterly, monthly repayment options – Interest-Only

Fees
Standard loan approval fee applies.

Repayment options when loan converts to Variable Rate
Weekly, fortnightly or monthly
Additional Repayments
Additional repayments can be made up to a set amount known as a tolerance*.
Repayment source
Repayment can be made by Direct Loan repayment (DLP) or Deposit Book

Talk to MortgageCorp today
If you’re ready to invest in residential property, talk to your ANZ manager today. We’ll work with you to prepare exactly the right loan to suit your needs today, and structure it to suit your needs in the future. Like more information? Visit our website at www.anz.com, Phone the Property Investor’s Hotline on 1800 333 123 8am – 11pm EST seven days a week, or visit any ANZ branch.
Further information
This Fact Sheet contains general information about the ANZ Interest-in-Advance Residential Investment Loan option. It does not form part of the Terms and Conditions.
#All applications are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.

ANZ Interest-in-Advance Residential Investment Loan for property investors is a post from: Sydney Mortgage Brokers MortgageCorp

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The ANZ Fixed Rate Home Loan (in a Company name) is designed for the purchase of a home loan for personal use, where the borrowing may be required in the Company or Trust name. The home would be for the use of the directors of the Company or Beneficiaries of the Trust.
With an ANZ Fixed Rate Home Loan (in a Company name) you have certainty that the loan repayments remain the same for a period of time. As day to day life can be unpredictable, it’s sometimes nice to know that the access to a stable interest rate exists. That means that whatever happens with interest rates, the interest rate and therefore the repayments on your ANZ Fixed Rate Home Loan (in a Company name) will remain the same. This helps make planning a little easier.

You can even make additional repayments up to a set tolerance* each year of the fixed interest rate period, without triggering an early repayment calculation.

Lock Rate Option
With an ANZ Fixed Rate Home Loan (in a Company name) the interest rate that will apply is the rate for the term you select as at the day you settle your loan. However, if you would like to ‘lock in’ the interest rate current at the time you apply you can do this with ANZ Lock Rate. By paying a Lock Rate fee, the rate is ‘locked in’ for up to ninety days, protecting you from the potential risk of interest rates increasing before you drawdown your loan. Lock Rate gives the extra security of knowing exactly what your repayments will be for a set period.

ANZ Fixed Rate Home Loan (in a Company name)

Interest Rate
For the latest Interest Rates, visit our Mortgage Calulator
Term
As above for fixed interest rate period. Total loan term up to 30 years.

Lock Rate
Yes, Lock Rate is available on the 1-5 Year Fixed Rate Home Loan (in a Company name), maximum loan amount $1,000,000.
Lock Rate fee applies.

Fees and charges
Fees and Charges may apply. Please ask for ANZ’s Small Banking Fees and Charges brochure for details of current fees.

Repayment frequency
Weekly, fortnightly or monthly.
Interest only up to 10 years is available. The Interest Only Period must equal the fixed interest rate period selected.

Additional Repayments
Additional repayments can be made up to a set amount known as a tolerance*. Early Repayment Cost and Fee may apply for additional repayments made above the tolerance amount.

Repayment source
Repayments can be made by Direct Loan Repayment (DLP)

100% Mortgage Offset
Available on ANZ One Year Fixed Rate Home Loan (in a Company name) – with ANZ Business Mortgage Loan Offset Account

Loan to Value Ratio
Up to 90% with Lenders Mortgage Insurance

Minimum loan amount
$20,000
Terms and conditions available on application. Fees and charges are payable.

ANZ Fixed Rate Home Loan in a Company name is a post from: Sydney Mortgage Brokers MortgageCorp

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How does the ANZ Residential Land Loan in a Company Name work for you?
An ANZ Residential Land Loan in a Company Name is a competitively priced loan to help fund the purchase of land, on which you intend to build within 12 months. When you are ready to build, ANZ can help you finance this with any one of our award winning Residential Investment Loans.

Purpose
Purchase of residential land, to build a residential investment property in the name of a business entity, for the personal benefit of the director/s or beneficiaries of a trust.

Flexible Repayments
You can choose weekly, fortnightly or monthly repayments as well as making lump sum reductions. This will shorten the loan term, and may save you thousands of dollars. Whatever suits your needs, ANZ is there for you! Plus you can make interest only payments for up to 12 months. Repayments can be made by using Direct Loan Payments (DLP) or deposit book.
Interest Rate
For the latest Interest Rates, visit our Mortgage Calculator

Term
Repayments based on maximum 30 year term
Building must commence within 12 months

Fees and charges
Standard Loan Approval Fee applies.

Refer to ANZ’s Small Business Banking Fees and Charges brochure for details of current fees.

Minimum Loan
$20,000

Additional repayments
Additional repayments can be made at any time

Repayment source
Repayments can be made by Direct Loan Payment (DLP) or Deposit Book

Repayment options
Principal and Interest or Interest Only up to 1 years
Terms and conditions available on application. Fees and charges are payable.
All applications are subject to ANZ’s normal credit approval criteria.

ANZ Residential Investment Land Loan in a Company Name is a post from: Sydney Mortgage Brokers MortgageCorp

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Purpose
Fund purchase of residential investment property such as a house, holiday house, unit, apartment or town house to let.

Repayments
Your repayments can be automatically debited to your ANZ Access or ANZ Personal Cheque account, or from an account held at another bank. You can choose weekly, fortnightly or monthly repayments as well as making lump sum reductions. This will shorten the loan term, and could save you thousands. Whatever suits your needs, ANZ is there for you! Plus you can make interest only repayments for up to 10 years.

Redraw
If you make additional repayments to your ANZ Variable Rate Residential Investment Loan you can now redraw these funds for whatever you need. You may be considering renovations, purchasing a new car or even wishing to go on that dream holiday. With redraw on your loan, you have access to your advance payments without having to go through another loan application process. To be eligible for redraw ensure you register at your loan application interview.

ANZ Mortgage Offset accounts
Instead of making extra repayments direct to your ANZ Variable Rate Residential Investment Loan, consider making payments to a linked ANZ One account. ANZ One (a fully transactional everyday account) provides 100% mortgage offset on your linked loan, but you retain easy access to your funds at any time. Please refer to the ANZ One Fact Sheet for more information.

Lenders Mortgage Insurance
With Lender Mortgage Insurance we can lend you up to 90% of the purchase price. To find out more please enquire at any ANZ Branch or call 1800 333 123 for more details.
Fee free transaction banking on linked account *
As a Variable Rate Residential Investment Loan customer, you have the option of an ANZ Access Advantage account that is free of monthly service and ANZ transaction fees.

Negative gearing
For advice about how negative gearing could work for you, and to ensure that any requests by you to the Australian Taxation Office (ATO) are accurate, we recommend you consult your accountant or financial adviser.

Money magazine’s Home Loan Lender of the Year 2008, 2007, 2006 and 2005.

ANZ Rapid Refinance. Why wait?
Has an ANZ loan caught your eye? ANZ Rapid Refinance# allows you to quickly switch your current loan to ANZ in only a matter of weeks. So, you will benefit from your refinance plans far quicker than usual.

ANZ Variable Rate Residential Investment Loan

Variable interest rate
For the latest Interest Rates, visit our Mortgage Calculator, call 1800 333 123 between 8am-11pm (EST) seven days a week, or visit any ANZ branch.

Term
Up to 30 years

Minimum amount
$20,000

Repayment options
Principal & Interest or Interest Only up to 10 years

Repayment frequency
Weekly, fortnightly or monthly
Additional repayments
Additional repayments can be made at any time

Repayment source
Repayment can be made by Direct Loan Payment (DLP)

Fees
Fees and charges may apply. Refer to ANZ’s Personal Banking General Fees and Charges brochure.

100% Offset
ANZ One
Other
Free $1,000 ANZ Assured facility on either an ANZ Access or ANZ One cheque and savings accounts linked to the loan

If you’re ready to invest in residential property, use our Mortgage Broker contact form. We’ll work with you to prepare exactly the right loan to suit your needs today, and structure it to suit your needs in the future.
#All applicants are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges payable.
Australia and New Zealand Banking Group Limited ABN 11 005 357 522. This material does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Product Disclosure Statement or terms and conditions
* Salary must be deposited into the transaction account to obtain the fee benefits.

ANZ Variable Rate Residential Investment Loan is a post from: Sydney Mortgage Brokers MortgageCorp

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Money magazine’s Home Loan Lender of the Year 2008, 2007, 2006 and 2005.

Interest Rate
For the latest Interest Rates, visit our Mortgage Calculator, call 02 8014 288
Term
Up to 30 years
Fees and Charges
Fees and Charges may apply. Refer to ANZ’s Personal Banking Fees and Charges brochure for details of current fees.
Repayment frequency
Weekly, fortnightly or monthly
Interest only up to 10 years is available
Additional repayments
Additional repayments can be made at any time
Repayment Source
Repayments can be made by Direct Loan Payment (DLP) from a listed ANZ account or by salary credit
100% Mortgage Offset
ANZ One
Other
Free $1,000 ANZ Assured facility on either an ANZ Access or ANZ One cheque and savings account linked to the loan.
#All applicants are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.
This material does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Product Disclosure Statement or terms and conditions
*Salary must be deposited into the transaction account to obtain the fee benefits.

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Mortgage Calculator

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Introducing – Bankwest Capped Rate Home Loan
Bankwest’s vision is to be the best value, most innovative and approachable bank in Australia with an absolute focus on customer satisfaction. Therefore, in conjunction with our customers, and your feedback – we are pleased to announce the release of the Bankwest Capped Rate Home Loan – providing customers with the flexibility of a variable rate and the security of a capped rate.

The Capped Rate Home Loan is a variable rate product with a cap set on the interest rate. This means that the interest rate is guaranteed not to increase past a certain limit for a pre-determined period.

Eligibility
Eligibility Minimum loan amount $100,000.

Interest Rate
The interest rate is a variable rate with a cap set on the interest rate. Each tranche release will have a common cap expiry date and common cap interest rate. Please refer to the current interest rate fees and charges schedule for rate details or see below.

Rate Type Rate Comparison Rate
Variable Rate 5.40% p.a. 5.56% p.a.
Capped Rate* 7.50% p.a. 7.65% p.a.

*The capped rate only applies until 10/11/2012. A loan may not be available on the above terms.

Loan Value Ratio (LVR) = Maximum 90% (plus capitalised LMI)
Owner Occupier loans* ; Investment loans*; construction of an investment dwelling*. (*May differ for country and regional areas).

Applicable Fees

* Application fee – $700
* A Capped Rate Home Loan Cap Purchase Fee is payable in order to cap the interest rate. The fee is 0.15% of the loan amount and is payable upfront at the time of application.
* Monthly loan maintenance fee of $12 applies to this home loan product.
* A Capped Rate Home Loan Prepayment Fee – Payable each time you repay 50% or more of your amount of credit (including any variation to it) before the capped term expiry date. The Capped Rate Home Loan Prepayment Fee is calculated as follows: 1% of the amount of the loan being repaid.

Bankwest announces innovative new Capped Rate Home Loan is a post from: Sydney Mortgage Brokers MortgageCorp

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